Zero Percent Credit Cards

A zero percent introductory interest rate credit card is useful for consolidating your existing credit card debt onto one card, buying yourself some time to pay down your debt interest-free. In addition to looking at the length of the introductory period, you should also take a look at the ongoing APR just in case you can't pay off your transferred debt in time. Also, beware of balance transfer fees, which can range from 2% to 5% of the transfer amount. Check out NerdWallet's picks for the best 0% interest credit cards to save money on interest payments!

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Showing 1 - 10 of 64  Results
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Credit Card Annual Fee Introductory APRs Ongoing APRs *True Interest Cost dollarsign
Citibank Simplicity Credit Card

Citi Simplicity® Card

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Show Details
$0* 0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases*
12.99% - 21.99%* (Variable)
3.23%
question

Apply Now

on Citibank's
secure website

thumbsupPros
  • No late fee
  • No annual fee
  • 0%* on purchases and balance transfers for 18 months*
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 18 months0.00%
Ongoing APR after 18 months12.99%-21.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
3.23%
Account Details

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.

See complete Citi Simplicity® Card details

Bank of America BankAmericard Visa Credit Card

BankAmericard® Visa® Card

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Show Details
$0 15 billing cycles*
10.99% - 20.99% Variable* on purchases & balance transfers
N/A
question

Apply Now

on Bank of America's
secure website

NerdScore, Interest Over 24 Billing Cycles
Intro purchase APR, first 15 billing cycles0.00%
Ongoing APR after 15 billing cycles10.99% - 20.99% Variable on purchases and balance transfers
True Interest Cost, 24 billing cycles effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
N/A
Account Details

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card

See complete BankAmericard® Visa® Card details

Discover It Credit Card

Discover it®

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Show Details
$0 0% intro APR on purchases and balance transfers for 14 months.
10.99% - 22.99% Variable*
4.57%
question

Apply Now

on Discover's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 14 months
  • No foreign transaction fee
NerdScore, Interest Over 2 Years
Intro purchase APR, first 14 months0.00%
Ongoing APR after 14 months10.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
4.57%
Account Details

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.

See complete Discover it® details

American Express Blue Cash Everyday Credit Card

Blue Cash Everyday® Card from American Express

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Show Details
$0 0% on Purchases for 15 months; 0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
4.85%
question

Apply Now

on American Express's
secure website

thumbsupPros
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
NerdScore, Interest Over 2 Years
Intro purchase APR, first 15 months0.00%
Ongoing APR after 15 months12.99%-21.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
4.85%
Account Details

  • Get 50 Reward Dollars, redeemable for a $50 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited Free Two-Day Shipping on millions of items.
  • Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and Restrictions Apply.

See complete Blue Cash Everyday® Card from American Express details

Chase Freedom - $100 Cash Back Credit Card

Chase Freedom®

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Show Details
$0 0% APR for 15 months on purchases and balance transfers
13.99% - 22.99% (Variable)
5.23%
question

Apply Now

on Chase's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
NerdScore, Interest Over 2 Years
Intro purchase APR, first 15 months0.00%
Ongoing APR after 15 months13.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
5.23%
Account Details

  • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%.
  • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire

See complete Chase Freedom® details

Capital One VentureOne Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

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Show Details
$0 0% on purchases until April 2015
11.9% - 19.9% (V)
5.94%
question

Apply Now

on Capital One's
secure website

thumbsupPros
  • High rewards rate
  • No annual fee
  • No foreign transaction fee
NerdScore, Interest Over 2 Years
Intro purchase APR0.00%
Regular APR11.9%(V)-19.9%(V) Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
5.94%
Account Details

  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want—no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn

See complete Capital One® VentureOne® Rewards Credit Card details

Bank of America BankAmericard Better Balance Credit Card

BankAmericard® Better Balance Rewards™ Credit Card

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Show Details
$0 12 billing cycles*
11.99% - 21.99% Variable* on purchases & balance transfers
N/A
question

Apply Now

on Bank of America's
secure website

NerdScore, Interest Over 24 Billing Cycles
Intro purchase APR, first 12 billing cycles0.00%
Ongoing APR after 12 billing cycles11.99% - 21.99% Variable on purchases and balance transfers
True Interest Cost, 24 billing cycles effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
N/A
Account Details

  • No annual fee
  • Save on interest with a 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 11.99% - 21.99% variable APR
  • Earn $25 per quarter towards your balance when you pay more than the monthly minimum and on time each month
  • Get an additional $5 bonus per quarter if you have a Bank of America® checking or savings account
  • Cash back is automatically credited to your card balance

See complete BankAmericard® Better Balance Rewards™ Credit Card details

Bank of America BankAmericard Cash Rewards Visa Signature Credit Card

BankAmericard Cash Rewards™ Credit Card

starstarstarstarhalfstar
Show Details
$0 12 billing cycles*
12.99% - 22.99% Variable* on purchases & balance transfers
N/A
question

Apply Now

on Bank of America's
secure website

NerdScore, Interest Over 24 Billing Cycles
Intro purchase APR, first 12 billing cycles0.00%
Ongoing APR after 12 billing cycles12.99% - 22.99% Variable on purchases and balance transfers
True Interest Cost, 24 billing cycles effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
N/A
Account Details

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an ongoing 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire

See complete BankAmericard Cash Rewards™ Credit Card details

Citibank Dividend Platinum Select Visa Card Credit Card

Citi® Dividend Platinum Select® Visa® Card

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Show Details
$0* 0% Intro APR for 12 months on Balance Transfers and Purchases*
12.99%-22.99%* (Variable)
6.48%
question

Apply Now

on Citibank's
secure website

thumbsupPros
  • No annual fee
  • 0%* on purchases and balance transfers for 12 months*
NerdScore, Interest Over 2 Years
Intro purchase APR, first 12 months0.00%
Ongoing APR after 12 months12.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
6.48%
Account Details

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details

See complete Citi® Dividend Platinum Select® Visa® Card details

Chase Slate Elite Credit Card

Chase Slate®

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Show Details
$0 0% Intro APR on purchases and balance transfers for 15 months
12.99%, 17.99%, 22.99% (V)
6.71%
question

Apply Now

on Chase's
secure website
Or call (877) 690-4943

thumbsupPros
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
  • No balance transfer fee
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 15 months0.00%
Ongoing APR after 15 months12.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
6.71%
Account Details

  • Pay less interest. Save on balances and new purchases.
  • $0 balance transfer fee - introductory offer!
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • $0 Annual Fee

See complete Chase Slate® details

* "Annual Savings" and "True Interest Cost" are NerdWallet estimates and not credit card providers numbers.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
  1. [2013-07-05 00:54:12] - elizabeth sevilla says: more credit unions for balance transfer of 18 months low interest and low balance transfer fees
  2. [2013-07-02 18:31:59] - NerdWallet says: Your best bet is probably the Citi Simplicity, as it currently offers 0% interest on purchases for a full 18 months. That's one of the best offers in the business.
  3. [2013-01-08 16:48:11] - debtfree says: whats the best credit card if I don't want to pay interest on new purchases?
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